Debt Payoff Planner – Printable Debt Snowball & Avalanche Tracker

What you get

See your debt shrink, one payment at a time. This printable planner helps you list every debt, choose a payoff order, record each payment and color your progress all the way to debt-free day. Every amount is left blank, so the pages fit your own numbers and work with any currency.

This is a digital product: you get an instant download of printable PDF files. Nothing physical is shipped.

What's included (19 pages)

Plan - Debt Overview: every debt, balance, interest rate, minimum payment and due day on one page - Snowball vs. Avalanche: a neutral side-by-side explanation of both methods, with a small illustrated example - Debt Snowball Worksheet: order your debts from smallest balance to largest - Debt Avalanche Worksheet: order your debts from highest interest rate to lowest

Track - Individual Debt Tracker: one page per debt with a balance countdown table and a 5% progress strip - Balance Countdown (continued): payments 25 to 72 - Monthly Payment Log - Extra Payment Tracker, with ideas for finding extra money - Credit Card Tracker: 12 months of statements per card

Color - Coloring payoff charts with 10, 20, 50 and 100 boxes. You write the amount in each box (equal or different), then color it when it's paid.

Celebrate - Debt-Free Milestones: from "made my plan" to debt-free day, with dates and rewards - Wins Log - Annual Summary with a month-by-month balance chart to shade

Plus a cover, a how-to page with contents, and a dotted notes page.

Two color themes, two paper sizes - Sage (soft green) and Clay (terracotta), both calm and printer friendly. - US Letter (8.5 x 11 in) and A4 (210 x 297 mm) for each theme.

How it works 1. Purchase and download the ZIP file instantly. 2. Unzip it and open the PDF for your paper size and favorite theme. 3. Print at 100% / "Actual size", list your debts and start tracking.

Print one tracker per debt and one log per month. Pages can be reprinted as often as you like for personal use.

Format: 4 PDF files (19 pages each) and a README in one ZIP file (about 1.4 MB).

Please note: This is a digital download; no physical item will be shipped. Colors may vary slightly depending on your screen and printer. This planner is an organizational tool only. It is not financial, legal, tax or credit counseling advice and does not promise any result; the numbers on the Snowball vs. Avalanche page are an invented example for illustration. For decisions about your debts, consider speaking with a qualified professional. For personal use only; please do not resell or share the files.